A fresh look at the opportunities in today’s housing market
When news reports present a consistently gloomy view of rising rates and the distinctly negative impact on the
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Ontario L1G 5N3
Durham Region's Largest
Experienced full time licensed Mortgage Agents representing
Mortgage Intelligence and 50 plus lenders.
More Than
With over five decades of combined experience under our belts, the team at Mortgage Intelligence-Oshawa have the knowledge, resources and tools to provide “client specific mortgage solutions” to a diverse audience all across Ontario.
To us, our clients are not just transactions. It is about building relationships. Whether you are a first-time homebuyers looking to obtain mortgage financing, up for renewal, refinancing or repairing bruised credit, we can help.

Rates are an important part of mortgage financing. Let us get you the best rate.
Interested in getting started on your mortgage? Complete our secure online application today!
Take advantage of our calculators to find out what you can afford.
A recent CMHC survey indicates that 40 percent of first time home buyers use mortgage brokers. Potential home buyers do their research before they make a decision. We make it easy to get pre-approved online. Mortgage brokers traditionally offer competitive rates, so using a mortgage broker will save you time and money.
Mortgage guidelines for self employed individuals looking to obtain mortgage financing have become stringent. Despite the stringent guidelines, it is still possible for self employed individuals to purchase homes.
These individuals must meet the following requirements: A minimum down payment of 10 percent; Excellent credit; Income demonstrating the ability to carry the mortgage.
At present homeowners in Canada can refinance up to 80 percent of the appraised value of the subject property. Here are some reasons why, our clients refinance their mortgage: Renovations and upgrades; Debt consolidation; Investments; Post secondary education; Increase cashflow; Spousal buyout.
Is your mortgage coming up for renewal in the next 3-6 months? If the answer to this question is “yes,” then this may be a great opportunity for you to speak to a mortgage expert to explore other options that may be available to you.

At Mortgage Intelligence-Oshawa, we pride ourselves on being the valued partner for clients who need mortgage financing. For our team, customer service is a top priority and we believe that educating out clients and providing information to enable them to make informed decisions is key. The numerous regional and national awards that we have been awarded over the years, is a testament of our dedication to our clients, lender partners and community we operate in.
Contact our office at (905) 404-8001 or (866) 452-1100 (toll free), to schedule a free, no obligation consultation now!

Mortgage Broker

Mortgage Agent

Mortgage Agent

Business Development



When news reports present a consistently gloomy view of rising rates and the distinctly negative impact on the

With inflation at its highest level in almost 40 years, the Bank of Canada continues to take drastic
A bridge loan is a short-term financing tool that helps you “bridge” the gap between old and new
Oshawa, Ontario L1G 5N3
(905) 404-8001
(866) 452-1100
david.hetti@migroup.ca
Mortgage Intelligence is Durham Region’s Mortgage Superstore. We use our expertise to advise and obtain approvals on mortgage financing that fits your mortgage needs.
Monday – Friday: 9AM – 5PM
Saturday – Sunday: CLOSED
© 2022 Mortgage Intelligence. All Rights Reserved.
David is our team leader and experienced broker who has used his leadership qualities to help our office be the largest Mortgage Intelligence Team in the region of Durham. He has a strong background in the financial field and holds a life insurance license as well, therefore providing value-added services to the clients that we assist. – FSCO Lic M08002434
As our full-time mortgage agent, Kelly assesses incoming applications and helps clients with choosing the best mortgage option for their unique needs. Having completed commercial lending courses, she uses this knowledge and experience to assist clients who are seeking to purchase a building for their business or investment. – FSCO Lic M08001409
Jacalyn is a mortgage agent and full-time right-hand man to Kelly Kozar. She serves as our office administrator and receptionist. In addition, she also manages the compliance aspects of the office, ensuring that each of our clients is properly served and that all documentation meets the strict guidelines of the industry. – FSCO Lic MI0002263